When working in a project and I lock a track on my timeline after unlocking it INSERT and OVERLAY no longer will drop the video in that rack, even after unlocking it. For example, I have locked the first audio track, inserted a clip, unlocked the audio track, go to insert another clip, it will insert the video only. If I think lock the video track and unlock it, no longer will it insert video or audio. I am still able to click and drag the clip from the source window and it will bring in the video and audio. That is a workaround, but it is rather annoying and time consuming that I cannot use my keyboard shortcuts once I have locked a track.

I have reinstalled with no success, and scoured the internet and have only found one other case of this happening with no explination on fixing it. Just a shot in the dark if you all have seen or heard of this happening?

Would the V and A1 on the left be what you were refering too by targeting tracks?

Those are the source track selectors and, yes, they need to be employed as well. Not only do they have to be enabled (click on them to turn them light gray), they also have to match up with similarly enabled and targeted destination tracks in your sequence.

The source track selectors can be dragged up and down to align with the particular sequence track you want to edit the clip into, and then any tracks in the sequence that you want to be affected by an insert/overwrite need to be enabled as well.

Here's a basic example:

On the left side, video will be edited into the sequence, but audio will not; on the right, both video and audio will be edited into the sequence.